पीएनबी उड़ान विदेश शिक्षा ऋण योजना
Specialized overseas study loan by PNB offering up to ₹1 Crore for postgraduate, STEM, and management studies abroad with 15-year repayment tenure.
📋पात्रता मानदंड एवं मार्जिन मनी (Eligibility & Margin Rules)
पात्रता की शर्तें
Indian national who has secured admission to higher professional, technical, or post-graduate degree/diploma courses offered by reputed foreign universities.
मार्जिन मनी आवश्यकता
15% for all overseas loans. Scholarship amount can be factored into margin money.
जमानत / कोलेटरल आवश्यकता (Collateral Requirement)
Nil up to ₹7.5 Lakh; 100% tangible security (land/building/fixed deposits/LIC policies) required for amounts exceeding ₹7.5 Lakh.
विशेष सरकारी ब्याज सब्सिडी (CSIS / सरकारी लाभ)
Eligible for Dr. Ambedkar Central Sector Scheme interest subsidy for OBC/EBC students studying overseas.
📂खर्चे एवं आवश्यक दस्तावेज (Expenses Covered & Documents)
कवर किए जाने वाले शैक्षणिक खर्चे
Tuition fees, overseas accommodation/dormitory charges, mandatory health insurance, visa fees, airfare (return economy ticket), and equipment.
आवेदन हेतु आवश्यक दस्तावेज
CELAF form, I-20 / CAS / COE admission confirmation document, GRE/GMAT/IELTS/TOEFL scorecard, valid Passport with copy, parent/sponsor KYC & income tax returns for past 2 years, valuation and legal scrutiny report of collateral property.
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Caveats)
15% margin money must be proven and deposited prior to disbursement; currency conversion fluctuation risks are borne entirely by the borrower; property mortgaged as collateral must have clear marketable title vetted by bank's empanelled advocate; visa rejection cancels sanction.
🚀आवेदन प्रक्रिया (Official Application Process)
1. Fill CELAF on Vidya Lakshmi choosing PNB Udaan. 2. Submit admission offer and I-20 copy. 3. Provide property documents for legal and valuation assessment. 4. Branch issues Sanction Letter necessary for Visa processing. 5. Disbursal directly to foreign university via SWIFT transfer.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
Can PNB Udaan be sanctioned before receiving student visa?
Yes. PNB issues an in-principle sanction letter that can be submitted to foreign embassies as proof of funds to obtain student visa. Final disbursement occurs after visa is stamped.
What is the margin required for PNB Udaan?
A margin of 15% is required for loans sanctioned under PNB Udaan. Any scholarship or fellowship secured by the student can be counted towards the margin.
Does PNB Udaan cover living expenses abroad?
Yes, boarding, lodging, books, study material, and international student health insurance are covered up to realistic limits.